Core Insights - China Mobile Inner Mongolia and the Bayannur Municipal Government have signed a strategic cooperation agreement focusing on "Artificial Intelligence+" to enhance local high-quality development through digital technology [1][2] Group 1: Strategic Focus Areas - The cooperation will advance six core areas: digital infrastructure, industry upgrading, public service optimization, livelihood service enhancement, emerging industry exploration, and talent support [2] - In digital infrastructure, the focus will be on intelligent computing resources, full coverage of 5G networks, and integration of local intelligent computing centers into the national "East Data West Computing" project [2] - The partnership aims to leverage digital technologies for precise management and customized services in key industries such as agriculture, animal husbandry, forestry, and water resources [2] Group 2: Implementation Mechanisms - To ensure effective cooperation, five support mechanisms will be established: "Intelligence Empowerment" forum, collaborative investment attraction, industry-academia-research innovation, multi-level communication, and project-based cooperation [2] - The collaboration is expected to accelerate the construction of an intelligent economic model in Bayannur, injecting new vitality into the high-quality development of the digital economy [2]

Core Insights - Jiujiang Bank has launched the "Jiu Yin Shu Lian" supply chain bill platform, becoming the first legal bank in Jiangxi Province to access the Shanghai Bill Exchange's supply chain bill platform and successfully implement business operations [1] - The platform aims to provide comprehensive bill services, including issuance, endorsement, discounting, and maturity processing, specifically targeting small and micro enterprises in the manufacturing sector [1] - The first transaction involved a local small manufacturing enterprise issuing a supply chain commercial bill of 3 million yuan to pay for upstream raw material costs, effectively alleviating short-term funding pressure for small and micro manufacturing enterprises [1] Industry Strategy - Jiujiang Bank is committed to establishing industrial finance as its core long-term strategy, focusing on regional key industrial clusters and continuously improving products and services [2] - The bank aims to enhance the efficiency of supply chain collaboration and service precision through platforms like "Jiu Yin Shu Lian," providing solid financial support for regional industrial upgrades and high-quality local economic development [2]

针对外向型企业融资成本核算复杂的问题，中信银行南昌分行在中国人民银行江西省分行指导下，创新 设计企业贷款"明白纸"。该"明白纸"将融资涉及的利率、手续费、担保费、抵押登记费等各项成本费用 清晰列示，让企业能够精准掌握综合融资成本。江西某电子公司财务负责人表示："'明白纸'让我们对 融资成本心中有数，决策更有底气。" 转自：大江网 精准滴灌助力企业扬帆出海 2024年12月以来，中信银行南昌分行在中国人民银行江西省分行的指导下推出了企业贷款"明白纸"服 务，通过清晰明示综合融资成本，成功为江西某电子有限公司办理500万元应收账款融资，有效破解企 业出海资金困境。这一举措不仅降低了企业融资成本，更以透明化服务赢得了企业高度认可。 "明白纸"让融资成本一目了然 此次业务突破是中国人民银行江西省分行创新举措推进辖内金融机构服务实体企业的有力见证。中国人 民银行江西省分行相关负责人表示："'明白纸'实现了融资成本透明化，是金融服务实体经济的有益探 索。"中信银行南昌分行将持续深化跨境金融创新，持续扩大明示范围，预计年内将为省内超100家外向 型企业提供"明白纸"服务，助力更多江西企业破浪出海。 编辑：穆皓 作为上饶市重 ...

Core Insights - The conference themed "Intelligent Ecology, Value Co-creation" was held by China Mobile Inner Mongolia, gathering nearly 50 ecological partners to discuss new paths for ecological collaboration and opportunities for digital development [1][3]. Group 1: Achievements and Collaborations - China Mobile Inner Mongolia's General Manager, Ma Xianfeng, highlighted the company's ecological cooperation philosophy and development plans, noting that the number of ecological partners has exceeded 500, with a cooperation scale surpassing 1 billion [3][4]. - The service scale for government and enterprise clients has consistently exceeded 1 million, with nearly 100,000 connections for 5G industry applications and over 1,000 benchmark projects across various fields such as government affairs, healthcare, and industry [3][4]. - The company has established a new information service system based on "connection + computing power + capabilities," optimizing its computing power layout significantly in data center construction and other areas [3][4]. Group 2: Future Cooperation Initiatives - Ma Xianfeng proposed a "Four Commons" cooperation initiative, which includes building a new foundation for "East Data West Computing," expanding industry empowerment in sectors like smart mining and agriculture, creating a new ecosystem for capability platforms, and enhancing customer trust through a comprehensive service system [4][5]. - The conference featured representatives sharing their cooperation experiences and development visions, with a focus on market opportunities in key areas such as digital government, smart energy, healthcare, and cultural tourism [5]. - The event aimed to clarify key directions for ecological cooperation and establish a practical platform for business opportunity connections, with a commitment to transforming opportunities into effective projects for high-quality economic and social development in Inner Mongolia [5].

Key Points - China will implement a temporary import tariff lower than the most-favored-nation rate on 935 items starting January 1, 2026, to enhance the linkage between domestic and international markets and expand the supply of quality goods [3] - The People's Bank of China announced that a new generation of digital RMB framework, management system, operational mechanism, and ecosystem will officially launch on January 1, 2026, marking a significant adjustment as digital RMB transitions from a digital cash era to a digital deposit currency era [3] - From January to November, state-owned enterprises reported total operating revenue of 75,625.76 billion yuan, a year-on-year increase of 1.0%, while total profits decreased by 3.1% to 3,719.45 billion yuan [3] - The State Council Tariff Commission released a tariff adjustment plan for 2026, increasing the total number of tariff items to 8,972 [3] - The international silver price experienced significant volatility, briefly surpassing $83 per ounce before quickly declining, with platinum and palladium also seeing substantial drops [3]

登录新浪财经APP 搜索【信披】查看更多考评等级 数字化工具"一键验真"：客户经理给曾老板演示融资成本计算器，输入金额、期限、还款方式后，系统 自动生成该笔贷款综合年化费率。 "这次我能拿着纸一条条对客户经理的话，还能自己动手用计算器验证！"曾先生感慨道，"'明白纸'让我 第一次看清了钱的去向，签合同时心里特别踏实。" 让普惠金融之光穿透每一扇窗 迷雾中的困局：曾先生的"糊涂账" 南昌建材商曾先生常年被工程账期困扰，资金周转如走钢丝。"每次去银行贷款，客户经理噼里啪啦讲 一通，什么'综合费率''灵活计息'，我听得云里雾里。"曾先生苦笑，"业务急等钱用，只能硬着头皮签 字。到底付了多少利息、有没有隐藏费用？我自己掰着手指也算不清，心里总悬着块石头。"这种因信 息不对称导致的"被动接受"，曾是无数小微主体的融资常态。 "明白纸"照进现实：一笔贷款的"阳光之旅" 转机出现在今年初。曾先生因一笔紧急订单向中信银行申请个体经营贷时，客户经理递给他一份清晰的 《贷款明白纸》，并逐一耐心解读。 显性成本"晒在阳光下"：明白纸清晰罗列贷款期限、年化利率、手续费等每一项支出，收费主体、支付 时点、计算方式一目了然。 隐性成本" ...

Core Viewpoint - The implementation of the "Measures for Accountability of Central Enterprises for Violating Investment Operations" in 2026 marks a significant reform in the governance of central enterprises, aiming to reshape the investment logic and governance of listed companies in which they hold stakes [1][2]. Group 1: Accountability and Governance - The new measures extend accountability to the entire chain of equity investment by central enterprises, addressing issues such as cross-industry investments and loss of control over invested companies [2]. - The measures aim to eliminate the governance vacuum where central enterprises act as major shareholders without fulfilling their supervisory responsibilities, thus promoting a shift from "scale" to "quality" in investments [2]. - The establishment of a "full-chain accountability and lifelong accountability" mechanism compels central enterprise shareholders to actively fulfill their supervisory duties, enhancing the protection of minority investors [2][3]. Group 2: Market Implications - The introduction of the measures is expected to create a structural market trend for "responsible central enterprise concept stocks," particularly benefiting companies with low valuations, compliant governance, and asset integration expectations [3]. - Specific companies such as Electric Power Investment Corporation and Four Creation Electronics are highlighted as potential beneficiaries due to their strategic positions and expected asset injections [3]. - The anticipated buyback of shares by central enterprises could inject nearly 100 billion yuan into the market, making companies with sound internal controls and a focus on core business attractive investment targets [3]. Group 3: Investment Strategies - Investors are advised to focus on three key strategies: specialized integration platforms under central enterprises, low PE and PB stocks at industry bottoms, and companies with stable cash flows and robust dividend buyback mechanisms [4]. - Companies that actively focus on business layout and responsibility are likely to achieve a win-win situation for both minority shareholders and central enterprises [4]. - The implementation of the measures signifies a move towards standardized and refined governance of central enterprises, with those demonstrating diligence and investor care expected to stand out in value reassessment [4].

Core Viewpoint - Shanghai Bank has evolved over 30 years to become a systemically important bank, actively supporting local economic development and embodying the mission of "making life better through finance" [1][4]. Group 1: Support for Local Economy - Shanghai Bank has consistently aligned with the development of Shanghai, supporting major projects and local economic growth through initiatives like the expedited approval "green channel" for financing [2][4]. - The bank has financed over 180 major projects with a total investment exceeding 23 billion yuan since 2025 [2]. - In December, Shanghai Bank restructured its organizational framework to enhance regional competitiveness, planning to inject 300 billion yuan in credit into the Shanghai area by 2026 [4]. Group 2: Long Triangle Integration - Shanghai Bank is focusing on the Yangtze River Delta integration strategy, establishing a committee to enhance financial services in the region [4][5]. - The bank has supported significant infrastructure projects in the Yangtze River Delta, with investments exceeding 27 billion yuan since 2025 [5]. - The bank aims to serve major projects, key industry transformations, and social development in the region [5]. Group 3: Support for SMEs - Shanghai Bank has positioned itself as a "main bank for SMEs," providing over 320 billion yuan in credit to more than 130,000 small and micro enterprises [6][7]. - The bank has innovated financing solutions, such as the "small and micro enterprise policy guarantee credit model," to facilitate access to funding for SMEs [6]. - The bank's "upstream e-chain" system connects core enterprises with their suppliers, providing nearly 500 million yuan in funding support to over 100 small suppliers [7]. Group 4: Services for Urban Residents - Shanghai Bank has developed services tailored for urban residents, including the "Silver Shield" project to protect elderly clients from fraud, successfully preventing losses of 1.7 million yuan [8][12]. - The bank has established over 300 "Beautiful Life Studios" to offer educational courses for the elderly, enhancing community engagement [10]. - The bank has integrated financial services with daily life, creating a "15-minute beautiful life circle" to improve service accessibility [12]. Group 5: Technological Innovation in Financial Services - Shanghai Bank has launched a "12345" technology financial service system to support tech enterprises, with a loan balance nearing 200 billion yuan, reflecting a growth of over 16% year-on-year [14]. - The bank has established five specialized technology branches and a research institute to enhance its understanding of industry needs [13][14]. - The bank has developed an AI trading system for bond market transactions, achieving over 90% accuracy in key factor identification [14][15]. Group 6: Global Reach and Future Vision - Shanghai Bank has partnered with 840 correspondent banks across 72 countries, facilitating over 500 billion yuan in cross-border RMB settlements [15]. - The bank aims to enhance customer experience and value creation while maintaining a commitment to social responsibility and high-quality development [15].

转自：新华财经 新华财经上海12月29日电（记者 王淑娟）为科创企业定制"一企一策"保障方案，融入上海"一城一带"金融格局，构建"悦享金生""健康树"品质服务生态， 参与"沪惠保"等民生工程，创新"保险+体育"服务模式……近年来，建信人寿立足上海，服务全国，积极助力"金融强国"战略和上海"五个中心"建设，诠 释着一家银行系险企的专业价值与时代担当。 建信人寿总裁丁慧日前接受新华财经专访。她在第十四届"沪上金融家"评选中当选"沪上金融行业领军人物"。丁慧表示，立足"十五五"新征程谋篇布局的 关键节点，保险业的使命已超越传统风险补偿范畴。寿险经营的本质就是一场"马拉松"。面对错综复杂的市场环境，保险公司要警惕利率的双向波动，构 建更具韧性、更可持续的商业模式，履行对客户、员工和社会的长期承诺。 拓界科技金融，做实体经济的护航者 作为总部在上海的金融机构，建信人寿正深度融入科技创新浪潮，以专业服务为上海国际科创中心建设加码赋能。"保险服务实体经济，我们始终围 绕'新、准、重'三个关键字发力。"丁慧说。 "新"，是紧跟新质生产力的发展方向。建信人寿立足保险风险减量与经济补偿等核心功能，服务高端制造、生物医药、半导体、 ...

【新华企业资讯12月29日】近日，被誉为"年报界奥斯卡"的第三十九届国际年报大赛（ARC Awards） 奖项揭晓，哈尔滨银行《2023年度环境、社会与管治报告》一举斩获五项国际大奖，包括"印刷制作最 佳"大奖及"区域银行写作文本金奖""社会责任报告印刷制作金奖""社会责任报告银奖""ESG报告内文设 计银奖"，彰显了该行在ESG信息披露质量、品牌形象塑造等方面获得国际认可。 《哈尔滨银行2023年度环境、社会与管治报告》封面 登录新浪财经APP 搜索【信披】查看更多考评等级 第三十九届国际年报大赛"印刷制作最佳"奖牌 第三十九届国际年报大赛"区域银行写作文本金奖"证书 国际年报大赛由总部位于纽约的独立机构MerComm, Inc.主办，是全球历史最悠久、权威性颇高的年度 报告评选活动，至今已举办39届。赛事旨在表彰企业年报在整体品质、文本价值与原创设计上的卓越表 现，评审团由来自90余家机构及企业的投资者关系专家、金融专业人士、撰稿人、设计师等组成。2025 年赛事吸引28个国家的1375家机构参赛，其中23家主流银行参与多类别角逐，71家跨行业企业角逐"印 刷制作"类奖项。哈尔滨银行在竞争激烈的"印刷制作 ...